{"id":49323,"date":"2026-03-20T12:28:01","date_gmt":"2026-03-20T11:28:01","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49323"},"modified":"2026-04-27T14:29:15","modified_gmt":"2026-04-27T12:29:15","slug":"%e9%8a%80%e8%a1%8c%e6%a5%ad%e7%95%8c%e8%a6%8f%e5%88%b6-%e9%87%91%e8%9e%8d%e6%a9%9f%e9%96%a2%e3%81%ae%e3%81%9f%e3%82%81%e3%81%ae%e5%8c%85%e6%8b%ac%e7%9a%84%e3%82%ac%e3%82%a4%e3%83%89","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ja\/banking-industry-regulations-a-comprehensive-guide-for-financial-institutions\/","title":{"rendered":"\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u9280\u884c\u898f\u5236\u306b\u3069\u306e\u3088\u3046\u306b\u6e96\u62e0\u3067\u304d\u307e\u3059\u304b\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ja\/%e3%83%97%e3%83%a9%e3%82%a4%e3%83%99%e3%83%bc%e3%83%88%e3%83%90%e3%83%b3%e3%82%af%e3%81%ae%e4%bd%9c%e3%82%8a%e6%96%b9\/\" target=\"_self\">\u30d0\u30f3\u30ad\u30f3\u30b0<\/a> 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class=\"wp-block-paragraph\">\u3053\u306e\u8a18\u4e8b\u306f\u30a4\u30ae\u30ea\u30b9\u82f1\u8a9e\u3067\u66f8\u304b\u308c\u3066\u304a\u308a\u3001\u9280\u884c\u3001\u30a6\u30a7\u30eb\u30b9\u30fb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u3001\u305d\u306e\u4ed6\u306e\u898f\u5236\u5f53\u5c40\u306e\u5c02\u9580\u5bb6\u3092\u5bfe\u8c61\u3068\u3057\u3066\u3044\u308b\u3002 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ja\/%e9%8a%80%e8%a1%8c%e3%82%92%e6%8c%81%e3%81%a4%e3%81%93%e3%81%a8%e3%81%af%e3%81%84%e3%81%8b%e3%81%ab%e6%9c%89%e7%9b%8a%e3%81%8b-%e3%81%9d%e3%81%ae%e5%be%b9%e5%ba%95%e5%88%86%e6%9e%90\/\" target=\"_self\">\u91d1\u878d\u6a5f\u95a2<\/a> 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CRM\u304a\u3088\u3073\u30aa\u30fc\u30c8\u30e1\u30fc\u30b7\u30e7\u30f3\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u898f\u5236\u5bfe\u8c61\u4f01\u696d\u304c\u9867\u5ba2\u30c7\u30fc\u30bf\u3092\u5b8c\u5168\u306b\u7ba1\u7406\u3057\u306a\u304c\u3089\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u904b\u7528\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u3053\u306e\u50be\u5411\u3092\u4f8b\u8a3c\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-1024x575.png\" alt=\"InvestGlass-\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\" class=\"wp-image-47981\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-1024x575.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-300x168.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white.png 1042w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">InvestGlass-\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u898f\u5236\u306e\u72b6\u6cc1\u306f\u53f8\u6cd5\u7ba1\u8f44\u533a\u57df\u306b\u3088\u3063\u3066\u5927\u304d\u304f\u7570\u306a\u308a\u3001\u9280\u884c\u696d\u52d9\u3084\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u8981\u4ef6\u306b\u95a2\u3059\u308b\u6cd5\u7684\u67a0\u7d44\u307f\u3092\u78ba\u7acb\u3059\u308b\u91d1\u878d\u898f\u5236\u306b\u3088\u3063\u3066\u5f62\u6210\u3055\u308c\u3066\u3044\u308b\u3002\u7c73\u56fd\u3067\u306f\u3001\u9023\u90a6\u3068\u5dde\u306e\u4e21\u30ec\u30d9\u30eb\u306e\u9280\u884c\u898f\u5236\u5f53\u5c40\u304c\u3001\u9280\u884c\u3092\u76e3\u7763\u30fb\u76e3\u7763\u3057\u3001\u9280\u884c\u6cd5\u3092\u57f7\u884c\u3057\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u78ba\u4fdd\u3059\u308b\u8cac\u4efb\u3092\u8ca0\u3046\u3068\u3044\u3046\u3001\u91cd\u8907\u3059\u308b\u6a29\u9650\u3092\u6301\u3064\u8907\u96d1\u306a\u4e8c\u91cd\u9023\u90a6\u30fb\u5dde\u5236\u5ea6\u304c\u904b\u7528\u3055\u308c\u3066\u3044\u308b\u3002\u6b27\u5dde\u9023\u5408\uff08EU\uff09\u306f\u3001\u91cd\u8981\u306a\u91d1\u878d\u6a5f\u95a2\u306b\u3064\u3044\u3066\u306f\u6b27\u5dde\u4e2d\u592e\u9280\u884c\u3092\u901a\u3058\u3066\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u76e3\u7763\u3092\u4e00\u5143\u5316\u3057\u3001\u5c0f\u898f\u6a21\u306a\u91d1\u878d\u6a5f\u95a2\u306b\u3064\u3044\u3066\u306f\u5404\u56fd\u5f53\u5c40\u304c\u5bfe\u5fdc\u3057\u3066\u3044\u308b\u3002\u30d6\u30ec\u30b0\u30b8\u30c3\u30c8\u5f8c\u306e\u82f1\u56fd\u306f\u3001\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u898f\u5236\u5f53\u5c40\u3068\u91d1\u878d\u884c\u52d5\u76e3\u8996\u6a5f\u69cb\u306b\u4f9d\u5b58\u3057\u3066\u3044\u308b\u3002\u30b9\u30a4\u30b9\u3067\u306f\u3001\u30b7\u30b9\u30c6\u30e0\u4e0a\u91cd\u8981\u306a\u9280\u884c\u306b\u3064\u3044\u3066\u306f\u30b9\u30a4\u30b9\u56fd\u7acb\u9280\u884c\u3068\u4e26\u3093\u3067\u30b9\u30a4\u30b9\u91d1\u878d\u5e02\u5834\u76e3\u7763\u5c40\u3092\u91cd\u8996\u3057\u3066\u3044\u308b\u3002\u3053\u308c\u3089\u306e\u5730\u57df\u5168\u4f53\u3067\u3001\u9280\u884c\u6cd5\u306f\u9280\u884c\u3084\u91d1\u878d\u6a5f\u95a2\u306e\u7d44\u7e54\u3001\u904b\u55b6\u3001\u898f\u5236\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u898f\u5b9a\u3059\u308b\u5305\u62ec\u7684\u306a\u6cd5\u7684\u67a0\u7d44\u307f\u3068\u3057\u3066\u6a5f\u80fd\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u672c\u7a3f\u3067\u53d6\u308a\u4e0a\u3052\u308b\u4e3b\u306a\u898f\u5236\u30c6\u30fc\u30de<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u30d0\u30fc\u30bc\u30ebIII\u306b\u304a\u3051\u308b\u81ea\u5df1\u8cc7\u672c\u6bd4\u7387\u3068\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u57fa\u6e96<\/li>\n\n\n\n<li>\u884c\u52d5\u898f\u7bc4\u3068\u6d88\u8cbb\u8005\u4fdd\u8b77\u306e\u67a0\u7d44\u307f<\/li>\n\n\n\n<li>\u53cd\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u304a\u3088\u3073\u5236\u88c1\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9<\/li>\n\n\n\n<li>\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3001\u30c7\u30b8\u30bf\u30eb\u8cc7\u7523 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ja\/%e3%83%90%e3%83%b3%e3%82%ad%e3%83%b3%e3%82%b0%e3%83%bb%e3%82%a2%e3%82%ba%e3%83%bb%e3%82%a2%e3%83%bb%e3%82%b5%e3%83%bc%e3%83%93%e3%82%b9%ef%bc%88baas%ef%bc%89%e3%81%ae%e4%bb%95%e7%b5%84%e3%81%bf\/\" target=\"_self\">\u30d0\u30f3\u30ad\u30f3\u30b0\u30fb\u30a2\u30ba\u30fb\u30a2\u30fb\u30b5\u30fc\u30d3\u30b9<\/a> \u898b\u843d\u3068\u3057<\/li>\n\n\n\n<li>\u56fd\u5883\u3092\u8d8a\u3048\u305f\u6d3b\u52d5\u3001\u30c7\u30fc\u30bf\u4fdd\u8b77\u3001\u696d\u52d9\u56de\u5fa9\u529b<\/li>\n\n\n\n<li>\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30fb\u30ac\u30d0\u30ca\u30f3\u30b9\u3068\u30c7\u30fc\u30bf\u4e3b\u6a29\u8981\u4ef6<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulatory-oversight-structure-for-financial-institutions-in-key-jurisdictions\">\u4e3b\u8981\u56fd\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u5bfe\u3059\u308b\u898f\u5236\u76e3\u7763\u4f53\u5236<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u56fd\u969b\u7684\u306b\u4e8b\u696d\u3092\u5c55\u958b\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u306b\u3068\u3063\u3066\u3001\u4e3b\u8981\u306a\u91d1\u878d\u30bb\u30f3\u30bf\u30fc\u9593\u3067\u898f\u5236\u8cac\u4efb\u304c\u3069\u306e\u3088\u3046\u306b\u914d\u5206\u3055\u308c\u3066\u3044\u308b\u304b\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u306f\u4e0d\u53ef\u6b20\u3067\u3042\u308b\u3002\u7c73\u56fd\u3001\u6b27\u5dde\u9023\u5408\uff08EU\uff09\u3001\u82f1\u56fd\u3001\u30b9\u30a4\u30b9\u306e\u9593\u3067\u306f\u3001\u305d\u306e\u69cb\u9020\u306f\u8457\u3057\u304f\u7570\u306a\u3063\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7c73\u56fd\u3067\u306f\u3001\u4e8c\u91cd\u9280\u884c\u5236\u5ea6\u306b\u3088\u308a\u3001\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u898f\u5236\u306f\u3001\u9280\u884c\u6301\u682a\u4f1a\u793e\u306b\u3064\u3044\u3066\u306f\u9023\u90a6\u6e96\u5099\u5236\u5ea6\u7406\u4e8b\u4f1a\u3001\u56fd\u55b6\u9280\u884c\u306b\u3064\u3044\u3066\u306f\u901a\u8ca8\u76e3\u7763\u5e81\u3001\u9810\u91d1\u4fdd\u967a\u3068\u7834\u7dbb\u51e6\u7406\u306b\u3064\u3044\u3066\u306f\u9023\u90a6\u9810\u91d1\u4fdd\u967a\u516c\u793e\u3068\u3044\u3063\u305f\u9023\u90a6\u6a5f\u95a2\u306b\u5272\u308a\u5f53\u3066\u3089\u308c\u3066\u3044\u308b\u3002\u5dde\u306e\u898f\u5236\u5f53\u5c40\u3082\u5dde\u306e\u9280\u884c\u3092\u76e3\u7763\u3057\u3066\u304a\u308a\u3001\u5354\u8abf\u3092\u8981\u3059\u308b\u91cd\u5c64\u7684\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u304c\u69cb\u7bc9\u3055\u308c\u3066\u3044\u308b\u3002\u9023\u90a6\u6e96\u5099\u5236\u5ea6\u3068\u9023\u90a6\u6e96\u5099\u9280\u884c\u306f\u3001\u91d1\u878d\u653f\u7b56\u3068\u52a0\u76df\u9280\u884c\u304a\u3088\u3073\u9280\u884c\u6301\u682a\u4f1a\u793e\u306e\u76e3\u7763\u306b\u304a\u3044\u3066\u4e2d\u5fc3\u7684\u306a\u5f79\u5272\u3092\u679c\u305f\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u898f\u5236\u5f53\u5c40\u3068\u884c\u70ba\u898f\u5236\u5f53\u5c40\u306e\u533a\u5225\u306f\u6975\u3081\u3066\u91cd\u8981\u3067\u3042\u308b\u3002\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u898f\u5236\u5f53\u5c40\u306f\u3001\u8cc7\u672c\u3001\u6d41\u52d5\u6027\u3001\u5f3e\u529b\u6027\u306b\u91cd\u70b9\u3092\u7f6e\u304f\u3002\u6d88\u8cbb\u8005\u91d1\u878d\u4fdd\u8b77\u5c40\u306e\u3088\u3046\u306a\u884c\u70ba\u898f\u5236\u5f53\u5c40\u3084\u6d88\u8cbb\u8005\u4fdd\u8b77\u898f\u5236\u5f53\u5c40\u306f\u3001\u8cb8\u91d1\u696d\u6cd5\u3084\u516c\u6b63\u4fe1\u7528\u5831\u544a\u6cd5\uff08fair credit reporting act\uff09\u306e\u3088\u3046\u306a\u6cd5\u5f8b\u306e\u4e0b\u3067\u3001\u958b\u793a\u8981\u4ef6\u3084\u516c\u6b63\u306a\u8cb8\u4ed8\u3092\u5b9f\u65bd\u3059\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7ba1\u8f44\u533a\u57df\u5225\u306e\u4e3b\u8981\u898f\u5236\u5f53\u5c40<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u7ba1\u8f44<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u30fb\u30ec\u30ae\u30e5\u30ec\u30fc\u30bf\u30fc<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u30b3\u30f3\u30c0\u30af\u30c8\u30fb\u30ec\u30ae\u30e5\u30ec\u30fc\u30bf\u30fc<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u4e3b\u8981\u6a5f\u95a2<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7c73\u56fd<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FRB\u3001OCC\u3001FDIC<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>CFPB<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u9023\u90a6\u9280\u884c\u76e3\u7763\u6a5f\u95a2<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6b27\u5dde\u9023\u5408<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>ECB\u3001\u5404\u56fd\u5f53\u5c40<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>EBA\u3001\u5404\u56fd\u5f53\u5c40<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5358\u4e00\u306e\u76e3\u7763\u30e1\u30ab\u30cb\u30ba\u30e0<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u30a4\u30ae\u30ea\u30b9<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>PRA<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u30a8\u30d5\u30b7\u30fc\u30a8\u30fc<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u30a4\u30f3\u30b0\u30e9\u30f3\u30c9\u9280\u884c<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u30b9\u30a4\u30b9<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u30d5\u30a3\u30f3\u30de\u30fc<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u30d5\u30a3\u30f3\u30de\u30fc<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u30b9\u30a4\u30b9\u56fd\u7acb\u9280\u884c<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcd\u56fd\u3068\u30db\u30b9\u30c8\u56fd\u306e\u898f\u5236\u5f53\u5c40\u3067\u69cb\u6210\u3055\u308c\u308b\u76e3\u7763\u30ab\u30ec\u30c3\u30b8\u306f\u3001\u56fd\u969b\u7684\u306b\u6d3b\u52d5\u3059\u308b\u30b0\u30eb\u30fc\u30d7\u306b\u5bfe\u3059\u308b\u56fd\u5883\u3092\u8d8a\u3048\u305f\u76e3\u7763\u3092\u4fc3\u9032\u3057\u3066\u3044\u308b\u3002\u30d0\u30fc\u30bc\u30eb\u9280\u884c\u76e3\u7763\u59d4\u54e1\u4f1a\u306f\u3001\u30d0\u30fc\u30bc\u30ebIII\u306e\u3088\u3046\u306a\u30b0\u30ed\u30fc\u30d0\u30eb\u30b9\u30bf\u30f3\u30c0\u30fc\u30c9\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u308b\u304c\u3001\u305d\u306e\u5b9f\u65bd\u306f\u5730\u57df\u306b\u3088\u3063\u3066\u7570\u306a\u308b\u3002\u3053\u308c\u3089\u306e\u6a5f\u95a2\u306f\u73fe\u5728\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30fb\u30ac\u30d0\u30ca\u30f3\u30b9\u306b\u3082\u76e3\u8996\u306e\u76ee\u3092 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class=\"wp-block-paragraph\">\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u898f\u5236\u306f\u3001\u4e16\u754c\u306e\u9280\u884c\u696d\u754c\u898f\u5236\u306e\u30d0\u30c3\u30af\u30dc\u30fc\u30f3\u3092\u5f62\u6210\u3057\u3066\u3044\u308b\u3002\u4e2d\u6838\u3068\u306a\u308b\u67f1\u306b\u306f\u3001\u81ea\u5df1\u8cc7\u672c\u6bd4\u7387\u3001\u6d41\u52d5\u6027\u30ab\u30d0\u30ec\u30c3\u30b8\u3001\u30ec\u30d0\u30ec\u30c3\u30b8\u6bd4\u7387\u3001\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u306e\u4e0a\u9650\u306a\u3069\u304c\u3042\u308a\u3001\u3053\u308c\u3089\u306f\u3059\u3079\u30662008\u5e74\u4ee5\u964d\u306b\u958b\u59cb\u3055\u308c\u30012017\u5e74\u306b\u6700\u7d42\u6c7a\u5b9a\u3055\u308c\u305f\u30d0\u30fc\u30bc\u30ebIII\u6539\u9769\u306b\u57fa\u3065\u304f\u3082\u306e\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30d0\u30fc\u30bc\u30ebIII\u306e\u4e0b\u3067\u306f\u3001\u9810\u91d1\u53d6\u6271\u6a5f\u95a2\u304a\u3088\u3073\u88ab\u4fdd\u967a\u9810\u91d1\u53d6\u6271\u6a5f\u95a2\u306f\u3001\u666e\u901a\u682a\u5f0fTier1\u8cc7\u672c\u3092\u30ea\u30b9\u30af\u52a0\u91cd\u8cc7\u7523\u306e\u6700\u4f4e4.5%\u3001\u7dcf\u8cc7\u672c\u30928%\u306b\u7dad\u6301\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u30022.5%\u306e\u4fdd\u5168\u30d0\u30c3\u30d5\u30a1\u30fc\u30843.5%\u3092\u4e0a\u9650\u3068\u3059\u308b\u53cd\u5faa\u74b0\u7684\u30d0\u30c3\u30d5\u30a1\u30fc\u306a\u3069\u306e\u8ffd\u52a0\u30d0\u30c3\u30d5\u30a1\u30fc\u304c\u9069\u7528\u3055\u308c\u308b\u3002\u30b0\u30ed\u30fc\u30d0\u30eb\u306b\u30b7\u30b9\u30c6\u30e0\u4e0a\u91cd\u8981\u306a\u9280\u884c\u306b\u306f\u30011% \u304b\u30893.5% \u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u304c\u8ab2\u3055\u308c\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6d41\u52d5\u6027\u898f\u5236\u306b\u306f\u3001\u56fd\u969b\u7684\u306b\u6d3b\u52d5\u3059\u308b\u9280\u884c\u3092\u5bfe\u8c61\u306b\u300130\u65e5\u9593\u306e\u30b9\u30c8\u30ec\u30b9\u306b\u3088\u308b\u8cc7\u91d1\u6d41\u51fa\u3092\u30ab\u30d0\u30fc\u3059\u308b\u9ad8\u6c34\u6e96\u306e\u6d41\u52d5\u8cc7\u7523\u3092100%\u3067\u8981\u6c42\u3059\u308b\u6d41\u52d5\u6027\u30ab\u30d0\u30ec\u30c3\u30b8\u6bd4\u7387\u304c\u542b\u307e\u308c\u308b\u3002\u30cd\u30c3\u30c8\u5b89\u5b9a\u8abf\u9054\u6bd4\u7387\u306f\u3001\u5b89\u5b9a\u3057\u305f\u8cc7\u91d1\u8abf\u9054\u304c1\u5e74\u4ee5\u4e0a\u306e\u8cc7\u7523\u306e\u6e80\u671f\u3068\u4e00\u81f4\u3059\u308b\u3053\u3068\u3092\u4fdd\u8a3c\u3059\u308b\u3082\u306e\u3067\u3042\u308b\u3002\u3053\u308c\u3089\u306e\u8981\u4ef6\u306f\u30012023\u5e74\u3001\u30b7\u30ea\u30b3\u30f3\u30d0\u30ec\u30fc\u9280\u884c\u306eLCR\u304c\u7121\u4fdd\u967a\u9810\u91d1\u6d41\u51fa\u306e\u4e2d\u306780%\u3092\u4e0b\u56de\u308a\u3001\u7834\u7dbb\u306e\u4e00\u56e0\u3068\u306a\u3063\u305f\u969b\u306b\u3001\u6975\u3081\u3066\u91cd\u8981\u3067\u3042\u308b\u3053\u3068\u304c\u8a3c\u660e\u3055\u308c\u305f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30ec\u30d0\u30ec\u30c3\u30b8\u6bd4\u7387\u306f\u3001\u7dcf\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u306b\u5bfe\u3059\u308bTier 1\u8cc7\u672c\u306e\u6bd4\u7387\u30923% \u3068\u3059\u308b\u3053\u3068\u3067\u3001\u975e\u30ea\u30b9\u30af\u306e\u30d0\u30c3\u30af\u30b9\u30c8\u30c3\u30d7\u3068\u3057\u3066\u6a5f\u80fd\u3059\u308b\u3002\u3053\u308c\u306f\u3001\u30ea\u30b9\u30af\u52a0\u91cd\u8a08\u7b97\u306b\u304a\u3051\u308b\u30e2\u30c7\u30eb\u306e\u904e\u5927\u306a\u697d\u89b3\u4e3b\u7fa9\u3092\u9632\u3050\u3082\u306e\u3067\u3042\u308b\u30022026\u5e74\u521d\u982d\u306b\u6700\u7d42\u6c7a\u5b9a\u3055\u308c\u308b2023\u5e747\u6708\u304b\u3089\u306e\u7c73\u56fd\u30d0\u30fc\u30bc\u30ebIII\u6700\u7d42\u6848\u306f\u3001\u5185\u90e8\u30e2\u30c7\u30eb\u306e\u5229\u70b9\u3092\u6291\u5236\u3059\u308b72.5%\u306e\u30a2\u30a6\u30c8\u30d7\u30c3\u30c8\u30d5\u30ed\u30a2\u3084\u6a19\u6e96\u5316\u4fe1\u7528\u30ea\u30b9\u30af\u30a2\u30d7\u30ed\u30fc\u30c1\u306e\u6539\u8a02\u306a\u3069\u3001\u5927\u5e45\u306a\u5909\u66f4\u3092\u5c0e\u5165\u3059\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EU\u306eCRR3\u3068CRD6\u306f2025\u5e74\u304b\u3089\u6bb5\u968e\u7684\u306b\u5c0e\u5165\u3055\u308c\u308b\u304c\u3001\u4e00\u90e8\u306e\u8981\u7d20\u306f2026\u5e741\u6708\u307e\u3067\u5ef6\u671f\u3055\u308c\u308b\u3002\u82f1\u56fd\u306f\u3001EU\u96e2\u8131\u5f8c\u3082\u7af6\u4e89\u529b\u3068\u5065\u5168\u6027\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u8003\u616e\u3057\u305f\u72ec\u81ea\u306e\u898f\u5236\u3092\u7dad\u6301\u3059\u308b\u3002\u30b9\u30a4\u30b9\u306fUBS\u306eCET1\u76ee\u6a19\u309214%\u524d\u5f8c\u3068\u3057\u3001\u30ab\u30f3\u30c8\u30f3\u9280\u884c\u3068\u9023\u90a6\u8caf\u84c4\u7d44\u5408\u306b\u306f\u7279\u5225\u306a\u898f\u5247\u3092\u9069\u7528\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e3b\u306a\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u30fb\u30ec\u30b7\u30aa\u3068\u305d\u306e\u904b\u7528\u3078\u306e\u5f71\u97ff\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CET1\u6bd4\u7387\uff08\u6700\u4f4e4.5%\uff0b\u30d0\u30c3\u30d5\u30a1\uff09\uff1a\u8cb8\u51fa\u4f59\u529b\u3068\u914d\u5f53\u5236\u9650\u3092\u6c7a\u5b9a\u3059\u308b\u3002<\/li>\n\n\n\n<li>LCR (100%)\uff1a\u65e5\u3005\u306e\u6d41\u52d5\u6027\u7ba1\u7406\u3068\u8a3c\u5238\u306e\u4e0e\u4fe1\u5224\u65ad\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b<\/li>\n\n\n\n<li>NSFR(100%)\uff1a\u8cc7\u91d1\u8abf\u9054\u6226\u7565\u3068\u30de\u30c1\u30e5\u30ea\u30c6\u30a3\u30fc\u30fb\u30de\u30c3\u30c1\u30f3\u30b0\u306e\u5f62<\/li>\n\n\n\n<li>\u30ec\u30d0\u30ec\u30c3\u30b8\u6bd4\u7387\uff083%\uff09\uff1a\u30d0\u30e9\u30f3\u30b9\u30b7\u30fc\u30c8\u306e\u904e\u5ea6\u306a\u62e1\u5927\u3092\u9632\u3050<\/li>\n\n\n\n<li>\u5927\u53e3\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u898f\u5236\uff08Tier1\u8cc7\u672c\u306e25%\uff09\uff1a\u5358\u4e00\u306e\u53d6\u5f15\u5148\u3078\u306e\u96c6\u4e2d\u30ea\u30b9\u30af\u306b\u4e0a\u9650\u3092\u8a2d\u3051\u308b\u3068\u3068\u3082\u306b\u3001\u95a2\u9023\u8005\u9593\u53d6\u5f15\u306b\u3088\u308b\u904e\u5927\u306a\u30ea\u30b9\u30af\u3092\u9632\u6b62\u3059\u308b\u305f\u3081\u3001\u4e3b\u8981\u682a\u4e3b\u3084\u5f79\u54e1\u3092\u542b\u3080\u5185\u90e8\u95a2\u4fc2\u8005\u3078\u306e\u8cb8\u4ed8\u3092\u5236\u9650\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c0f\u898f\u6a21\u306e\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30fb\u30d0\u30f3\u30af\u3084\u30a6\u30a7\u30eb\u30b9\u30fb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u3067\u3055\u3048\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u3001\u5831\u544a\u3001\u30c7\u30fc\u30bf\u69cb\u9020\u3092\u3053\u308c\u3089\u306e\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u30fb\u30eb\u30fc\u30eb\u306b\u5408\u308f\u305b\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002InvestGlass\u306e\u3088\u3046\u306a\u7d71\u5408\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u30ea\u30b9\u30af\u30c7\u30fc\u30bf\u306e\u96c6\u7d04\u3068\u898f\u5236\u5f53\u5c40\u3078\u306e\u5831\u544a\u3092\u5408\u7406\u5316\u3059\u308b\u3053\u3068\u3067\u3001\u3053\u306e\u6574\u5408\u6027\u3092\u4fc3\u9032\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-deposit-insurance-and-financial-stability\">\u9810\u91d1\u4fdd\u967a\u3068\u91d1\u878d\u306e\u5b89\u5b9a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9810\u91d1\u4fdd\u967a\u306f\u3001\u9810\u91d1\u8005\u3092\u4fdd\u8b77\u3057\u3001\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u5bfe\u3059\u308b\u4fe1\u983c\u3092\u7dad\u6301\u3059\u308b\u305f\u3081\u306b\u8a2d\u8a08\u3055\u308c\u305f\u3001\u8fd1\u4ee3\u7684\u306a\u9280\u884c\u898f\u5236\u306e\u67a0\u7d44\u307f\u306e\u790e\u77f3\u3067\u3042\u308b\u3002\u7c73\u56fd\u3067\u306f\u3001\u9023\u90a6\u9810\u91d1\u4fdd\u967a\u516c\u793e\uff08FDIC\uff09\u304c\u72ec\u7acb\u6a5f\u95a2\u3068\u3057\u3066\u3001\u88ab\u4fdd\u967a\u9810\u91d1\u6a5f\u95a2\u306e\u9810\u91d1\u4fdd\u967a\u306b\u8cac\u4efb\u3092\u8ca0\u3063\u3066\u3044\u308b\u3002FDIC\u306f\u3001\u9810\u91d1\u80051\u4eba\u306b\u3064\u304d1\u91d1\u878d\u6a5f\u95a2\u3042\u305f\u308a$25\u4e07\u5186\u307e\u3067\u306e\u9810\u91d1\u3092\u4fdd\u8a3c\u3057\u3066\u304a\u308a\u3001\u9280\u884c\u306e\u7d4c\u55b6\u4e0d\u5b89\u3092\u9632\u304e\u3001\u91d1\u878d\u306e\u5b89\u5b9a\u3092\u7dad\u6301\u3059\u308b\u305f\u3081\u306e\u91cd\u8981\u306a\u30bb\u30fc\u30d5\u30c6\u30a3\u30cd\u30c3\u30c8\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9810\u91d1\u4fdd\u967a\u3060\u3051\u3067\u306a\u304f\u3001FDIC \u306f\u9810\u91d1\u53d6\u6271\u6a5f\u95a2\u304c\u5b89\u5168\u304b\u3064\u5065\u5168\u306b\u904b\u55b6\u3055\u308c\u308b\u3088\u3046\u76e3\u7763\u3059\u308b\u6975\u3081\u3066\u91cd\u8981\u306a\u5f79\u5272\u3092\u62c5\u3063\u3066\u3044\u308b\u3002\u3053\u308c\u306b\u306f\u3001\u81ea\u5df1\u8cc7\u672c\u6bd4\u7387\u3001\u6d41\u52d5\u6027\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u6163\u884c\u306b\u5bfe\u3059\u308b\u53b3\u683c\u306a\u76e3\u7763\u3082\u542b\u307e\u308c\u308b\u3002\u9280\u884c\u304c\u7834\u7dbb\u3057\u305f\u5834\u5408\u3001FDIC 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class=\"wp-block-paragraph\">\u9810\u91d1\u4fdd\u967a\u5236\u5ea6\u306f\u7c73\u56fd\u72ec\u81ea\u306e\u3082\u306e\u3067\u306f\u306a\u304f\u3001\u591a\u304f\u306e\u6cd5\u57df\u306b\u540c\u69d8\u306e\u67a0\u7d44\u307f\u304c\u5b58\u5728\u3057\u3001\u9810\u91d1\u8005\u4fdd\u8b77\u3068\u9280\u884c\u30b7\u30b9\u30c6\u30e0\u306b\u5bfe\u3059\u308b\u4fe1\u983c\u5f37\u5316\u3068\u3044\u3046\u5171\u901a\u306e\u76ee\u7684\u3092\u6709\u3057\u3066\u3044\u308b\u3002\u898f\u5236\u5f53\u5c40\u306f\u3001\u3053\u306e\u3088\u3046\u306a\u4fdd\u8b77\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3001\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u30fb\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3057\u3001 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class=\"wp-block-paragraph\">\u884c\u52d5\u898f\u5236\u306f\u3001\u900f\u660e\u6027\u306e\u3042\u308b\u5546\u54c1\u958b\u793a\u3001\u516c\u6b63\u306a\u9867\u5ba2\u5f85\u9047\u3001\u9867\u5ba2\u306e\u30cb\u30fc\u30ba\u3068\u30ea\u30b9\u30af\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306b\u5408\u81f4\u3057\u305f\u5546\u54c1\u306e\u9069\u5408\u6027\u8a55\u4fa1\u3001\u8106\u5f31\u306a\u9867\u5ba2\u306b\u5bfe\u3059\u308b\u4fdd\u8b77\u3092\u7fa9\u52d9\u4ed8\u3051\u3066\u3044\u308b\u3002\u3053\u308c\u3089\u306e\u8981\u4ef6\u306f\u3001\u91d1\u878d\u6a5f\u95a2\u304c\u9867\u5ba2\u3068\u306e\u95a2\u4fc2\u30e9\u30a4\u30d5\u30b5\u30a4\u30af\u30eb\u3092\u901a\u3058\u3066\u3069\u306e\u3088\u3046\u306b\u9867\u5ba2\u3068\u63a5\u3059\u308b\u304b\u3092\u5f62\u4f5c\u308b\u3082\u306e\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u82f1\u56fd\u306eFCA\u6d88\u8cbb\u8005\u7fa9\u52d9\u306f\u30012023\u5e747\u6708\u304b\u3089\u9069\u7528\u3055\u308c\u3001\u4f01\u696d\u306f\u4fa1\u683c\u3068\u4fa1\u5024\u3001\u6d88\u8cbb\u8005\u306e\u7406\u89e3\u3001\u30b5\u30dd\u30fc\u30c8\u3001\u304a\u3088\u3073\u4fdd\u8b77\u306b\u308f\u305f\u3063\u3066\u826f\u597d\u306a\u7d50\u679c\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3092\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u3044\u308b\u3002\u53d6\u7de0\u5f79\u4f1a\u306f\u6bce\u5e74\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u8a3c\u660e\u3057\u3001\u8106\u5f31\u6027\u884c\u52d5\u8a08\u753b\u3092\u7dad\u6301\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3002\u91d1\u878d\u30aa\u30f3\u30d6\u30ba\u30de\u30f3\u30fb\u30b5\u30fc\u30d3\u30b9\u306f\u5e74\u959320\u4e07\u4ef6\u4ee5\u4e0a\u306e\u30b1\u30fc\u30b9\u3092\u6271\u3063\u3066\u304a\u308a\u3001\u6700\u9ad843\u4e07\u30dd\u30f3\u30c9\u306e\u88c1\u5b9a\u984d\u3092\u62d8\u675f\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b27\u5dde\u9023\u5408\uff08EU\uff09\u3067\u306f\u3001\u6d88\u8cbb\u8005\u4fe1\u7528\u6307\u4ee4\uff08Consumer Credit Directive\uff09\u304cAPR\u8a08\u7b97\u3084\u30af\u30fc\u30ea\u30f3\u30b0\u30fb\u30aa\u30d5\u671f\u9593\u3092\u542b\u3080\u878d\u8cc7\u306e\u900f\u660e\u6027\u3092\u898f\u5b9a\u3057\u3066\u3044\u308b\u3002ADR\u6307\u4ee4\u306f\u3001\u88c1\u5224\u5916\u306e\u89e3\u6c7a\u30e1\u30ab\u30cb\u30ba\u30e0\u3092\u7fa9\u52d9\u4ed8\u3051\u3066\u3044\u308b\u3002\u30b9\u30a4\u30b9\u306e\u9280\u884c\u30aa\u30f3\u30d6\u30ba\u30de\u30f3\u306f\u3001\u7d1b\u4e89\u304c\u8a34\u8a1f\u306b\u767a\u5c55\u3059\u308b\u524d\u306b\u8abf\u505c\u3092\u884c\u3063\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7c73\u56fd\u306e\u67a0\u7d44\u307f\u306b\u306f\u3001\u4fe1\u7528\u30b3\u30b9\u30c8\u306e\u958b\u793a\u3092\u7fa9\u52d9\u4ed8\u3051\u308b\u8cb8\u4ed8\u771f\u5b9f\u6cd5\u3001\u5dee\u5225\u3092\u7981\u6b62\u3059\u308b\u4fe1\u7528\u6a5f\u4f1a\u5747\u7b49\u6cd5\u3001\u96fb\u5b50\u53d6\u5f15\u306b\u304a\u3051\u308b\u6d88\u8cbb\u8005\u3092\u4fdd\u8b77\u3059\u308b\u96fb\u5b50\u8cc7\u91d1\u632f\u66ff\u6cd5\u306a\u3069\u304c\u3042\u308b\u3002CFPB\u306e\u3088\u3046\u306a\u653f\u5e9c\u6a5f\u95a2\u304c\u65bd\u884c\u3059\u308b\u6d88\u8cbb\u8005\u4fdd\u8b77\u6cd5\u3068\u95a2\u9023\u9023\u90a6\u6cd5\u306f\u3001\u516c\u6b63\u306a\u8cb8\u4ed8\u9055\u53cd\u306b\u5bfe\u3057\u30662023\u5e74\u306b$5\u5104\u5186\u3092\u8d85\u3048\u308b\u7f70\u91d1\u3092\u79d1\u3059\u7d50\u679c\u3068\u306a\u3063\u305f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u898f\u5236\u5bfe\u8c61\u6a5f\u95a2\u306b\u5bfe\u3059\u308b\u4e3b\u306a\u884c\u52d5\u8981\u4ef6<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u516c\u6b63\u306a\u53d6\u308a\u6271\u3044\u306e\u539f\u5247\u3092\u88fd\u54c1\u8a2d\u8a08\u3068\u8ca9\u58f2\u30d7\u30ed\u30bb\u30b9\u306b\u7d44\u307f\u8fbc\u3080<\/li>\n\n\n\n<li>\u6295\u8cc7\u5546\u54c1\u306e\u9069\u5408\u6027\u304a\u3088\u3073\u9069\u5207\u6027\u8a55\u4fa1<\/li>\n\n\n\n<li>\u8106\u5f31\u9867\u5ba2\u8b58\u5225\u30d7\u30ed\u30c8\u30b3\u30eb\u3068\u7c21\u6613\u958b\u793a<\/li>\n\n\n\n<li>\u6307\u5b9a\u3055\u308c\u305f\u671f\u9650\u5185\u306b\u82e6\u60c5\u3092\u89e3\u6c7a\u3059\u308b\u3053\u3068\uff08\u901a\u5e3815\u65e5\u4ee5\u5185\uff09<\/li>\n\n\n\n<li>7\u5e74\u4ee5\u4e0a\u306e\u4fdd\u5b58\u671f\u9593\u3092\u6301\u3064\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3\u30fb\u30a2\u30fc\u30ab\u30a4\u30d6<\/li>\n\n\n\n<li>\u52a9\u8a00\u306e\u6839\u62e0\u3068\u540c\u610f\u306e\u8ffd\u8de1\u306e\u8a3c\u62e0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ja\/%e3%82%b3%e3%83%bc%e3%83%9d%e3%83%ac%e3%83%bc%e3%83%88%e3%83%bb%e3%83%90%e3%83%b3%e3%82%ad%e3%83%b3%e3%82%b0%e3%81%ab%e3%81%8a%e3%81%91%e3%82%8b%e3%83%87%e3%82%b8%e3%82%bf%e3%83%ab%e3%83%bb%e3%82%aa\/\" target=\"_self\">\u30c7\u30b8\u30bf\u30eb\u30fb\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0<\/a> 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class=\"wp-block-heading\" id=\"h-aml-sanctions-and-financial-crime-regulations\">AML\u3001\u5236\u88c1\u3001\u91d1\u878d\u72af\u7f6a\u898f\u5236<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u304a\u3088\u3073\u30c6\u30ed\u8cc7\u91d1\u4f9b\u4e0e\u5bfe\u7b56\u306e\u898f\u5247\u306f\u3001\u91d1\u878d\u6d3b\u52d5\u4f5c\u696d\u90e8\u4f1a\u306e40\u306e\u52e7\u544a\u304b\u3089\u5305\u62ec\u7684\u306a\u56fd\u5185\u5236\u5ea6\u3078\u3068\u5927\u304d\u304f\u767a\u5c55\u3057\u3066\u304d\u305f\u3002\u7c73\u56fd\u3067\u306f\u9280\u884c\u79d8\u5bc6\u6cd5\u3068\u7c73\u56fd\u30d1\u30c8\u30ea\u30aa\u30c3\u30c8\u6cd5\u304c\u305d\u306e\u57fa\u790e\u3068\u306a\u3063\u3066\u304a\u308a\u3001EU\u3067\u306f\u7b2c6\u6b21\u30de\u30cd\u30fc\u30fb\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u898f\u5236\u3092\u5b9f\u65bd\u3057\u3066\u3044\u308b\u3002 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ja\/%e7%ac%ac6%e6%ac%a1%e3%83%9e%e3%83%8d%e3%83%bc%e3%83%ad%e3%83%b3%e3%83%80%e3%83%aa%e3%83%b3%e3%82%b0%e9%98%b2%e6%ad%a2%e6%8c%87%e4%bb%a4%e3%81%a8%e3%81%af%e4%bd%95%e3%81%8b\/\" target=\"_self\">\u53cd\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u6307\u4ee4<\/a> 2026\u5e74\u304b\u30892027\u5e74\u306b\u304b\u3051\u3066\u3001\u9ad8\u30ea\u30b9\u30af\u4f01\u696d\u3092\u76e3\u7763\u3059\u308b\u65b0\u305f\u306aAML\u6a5f\u95a2\uff08AMLA\uff09\u304c\u8a2d\u7f6e\u3055\u308c\u308b\u3002\u82f1\u56fd\u3067\u306f\u3001\u6539\u6b63\u3055\u308c\u305f\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u898f\u52362017\u304c\u9069\u7528\u3055\u308c\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5177\u4f53\u7684\u306a\u7fa9\u52d9\u306b\u306f\u3001\u8eab\u5143\u3068\u8cc7\u91d1\u6e90\u3092\u78ba\u8a8d\u3059\u308b\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30a3\u30ea\u30b8\u30a7\u30f3\u30b9\u3001FATF\u306e\u30b0\u30ec\u30fc\u30ea\u30b9\u30c8\u3084\u30d6\u30e9\u30c3\u30af\u30ea\u30b9\u30c8\u306b\u8a18\u8f09\u3055\u308c\u3066\u3044\u308b\u653f\u6cbb\u7684\u306b\u9732\u51fa\u3057\u305f\u4eba\u7269\u3084\u9ad8\u30ea\u30b9\u30af\u56fd\u306b\u5bfe\u3059\u308b\u30c7\u30e5\u30fc\u30c7\u30a3\u30ea\u30b8\u30a7\u30f3\u30b9\u306e\u5f37\u5316\u3001\u7d99\u7d9a\u7684\u306a\u30c7\u30e5\u30fc\u30c7\u30a3\u30ea\u30b8\u30a7\u30f3\u30b9\u306a\u3069\u304c\u542b\u307e\u308c\u308b\u3002 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ja\/2023%e5%b9%b4%e3%83%88%e3%83%a9%e3%83%b3%e3%82%b6%e3%82%af%e3%82%b7%e3%83%a7%e3%83%b3%e3%83%bb%e3%83%a2%e3%83%8b%e3%82%bf%e3%83%aa%e3%83%b3%e3%82%b0%e7%a9%b6%e6%a5%b5%e3%82%ac%e3%82%a4%e3%83%89\/\" target=\"_self\">\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0<\/a>, \u304a\u3088\u3073\u7591\u308f\u3057\u3044\u6d3b\u52d5\u5831\u544a\u30022024\u5e74\u306b\u306f\u7c73\u56fd\u3060\u3051\u3067300\u4e07\u4ef6\u4ee5\u4e0a\u306eSAR\u304c\u63d0\u51fa\u3055\u308c\u305f\u300215,000\u3092\u8d85\u3048\u308b\u9805\u76ee\u3092\u542b\u3080OFAC\u306e\u7279\u5225\u6307\u5b9a\u56fd\u6c11\u30ea\u30b9\u30c8\u3001EU\u306e\u7d71\u5408\u30ea\u30b9\u30c8\u3001\u56fd\u9023\u306e\u5236\u88c1\u30ea\u30b9\u30c8\u306b\u5bfe\u3059\u308b\u5236\u88c1\u5be9\u67fb\u306f\u5fc5\u9808\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2022\u5e74\u4ee5\u964d\u3001\u30ed\u30b7\u30a2\u306e\u30a6\u30af\u30e9\u30a4\u30ca\u4fb5\u653b\u3092\u53d7\u3051\u3066\u5236\u88c1\u6d3b\u52d5\u306f\u5287\u7684\u306b\u30a8\u30b9\u30ab\u30ec\u30fc\u30c8\u3057\u305f\u3002EU\u306f3000\u5104\u30e6\u30fc\u30ed\u4ee5\u4e0a\u306e\u30ed\u30b7\u30a2\u8cc7\u7523\u3092\u51cd\u7d50\u3057\u305f\u3002\u7c73\u56fd\u306e\u4e8c\u6b21\u5236\u88c1\u306f\u73fe\u57282,500\u4ee5\u4e0a\u306e\u56e3\u4f53\u3092\u5bfe\u8c61\u3068\u3057\u3066\u3044\u308b\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u7b2c\u4e09\u56fd\u3067\u306e\u8131\u7a0e\u3084\u8cbf\u6613\u91d1\u878d\u696d\u52d9\u306b\u5bfe\u3059\u308b\u76e3\u8996\u304c\u5f37\u5316\u3055\u308c\u305f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f4f\u5b85\u30ed\u30fc\u30f3\u958b\u793a\u6cd5\u3068\u5730\u57df\u518d\u6295\u8cc7\u6cd5\u306f\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u8cb8\u4ed8\u306b\u5f93\u4e8b\u3059\u308b\u5546\u696d\u9280\u884c\u306b\u5bfe\u3057\u3001\u3055\u3089\u306a\u308b\u5831\u544a\u7fa9\u52d9\u3092\u8ab2\u3057\u3066\u3044\u308b\u3002\u8a3c\u5238\u53d6\u5f15\u6240\u6cd5\u3068\u8a3c\u5238\u53d6\u5f15\u59d4\u54e1\u4f1a\u306f\u3001\u6295\u8cc7\u4f1a\u793e\u6cd5\u306e\u4e0b\u3067\u8a3c\u5238\u696d\u52d9\u306b\u5f93\u4e8b\u3059\u308b\u6295\u8cc7\u9867\u554f\u696d\u8005\u3084\u305d\u306e\u4ed6\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u8ffd\u52a0\u7684\u306a\u7fa9\u52d9\u3092\u8ab2\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u306e\u81ea\u52d5\u5316\u306b\u9069\u3057\u305fAML\u30d7\u30ed\u30bb\u30b9<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9867\u5ba2\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u3068\u6587\u66f8\u53ce\u96c6\u306b\u3088\u308b\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30fb\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u306e\u5f37\u5316<\/li>\n\n\n\n<li>\u8a2d\u5b9a\u53ef\u80fd\u306a\u3057\u304d\u3044\u5024\u306b\u3088\u308b\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u76e3\u8996\u30eb\u30fc\u30eb<\/li>\n\n\n\n<li>SAR\u306e\u4f5c\u6210\u3068\u63d0\u51fa\u306e\u8ffd\u8de1<\/li>\n\n\n\n<li>\u8907\u6570\u306e\u30ea\u30b9\u30c8\u306b\u5bfe\u3059\u308b\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u5236\u88c1\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0<\/li>\n\n\n\n<li>\u53d7\u76ca\u6a29\u6240\u6709\u8005\u306e\u30c8\u30ec\u30fc\u30b9\u3068\u691c\u8a3c<\/li>\n\n\n\n<li>\u30ea\u30b9\u30af\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u306b\u3088\u308bAPI\u7d71\u5408\u306b\u3088\u308bPEP\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u30c7\u30b8\u30bf\u30ebKYC\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u81ea\u52d5\u5316\u3067\u304d\u308b <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ja\/%e8%ba%ab%e5%85%83%e7%a2%ba%e8%aa%8d%e3%81%a8%e3%81%af%e4%bd%95%e3%81%8b%e3%80%81%e3%81%a9%e3%81%ae%e3%82%88%e3%81%86%e3%81%ab%e6%a9%9f%e8%83%bd%e3%81%99%e3%82%8b%e3%81%ae%e3%81%8b\/\" target=\"_self\">\u672c\u4eba\u78ba\u8a8d<\/a> \u30d0\u30a4\u30aa\u30e1\u30c8\u30ea\u30c3\u30af\u30d1\u30b9\u30dd\u30fc\u30c8\u3001PEP\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0\u3001\u6a19\u6e96\u5316\u3055\u308c\u305f\u5c3a\u5ea6\u306b\u3088\u308b\u30ea\u30b9\u30af\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u3092\u4f7f\u7528\u3057\u3066\u3044\u307e\u3059\u3002InvestGlass\u306f\u3001\u30c7\u30fc\u30bf\u8ee2\u9001\u306eGDPR\u7b2c44\u6761\u306e\u59a5\u5f53\u6027\u3092\u4fdd\u8a3c\u3059\u308b\u30b9\u30a4\u30b9\u306e\u30db\u30b9\u30c6\u30a3\u30f3\u30b0\u3067\u3053\u308c\u3089\u306e\u6a5f\u80fd\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002\u4f01\u696d\u306f\u3001\u30d9\u30f3\u30c0\u30fc\u306e\u4f7f\u7528\u306b\u304b\u304b\u308f\u3089\u305a\u3001FATF\u57fa\u6e96\u306b\u57fa\u3065\u304f\u5168\u8cac\u4efb\u3092\u4fdd\u6301\u3057\u3001\u660e\u78ba\u306a\u8aac\u660e\u8cac\u4efb\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u4e3b\u6a29\u7684\u3067\u76e3\u67fb\u5bfe\u5fdc\u53ef\u80fd\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u91cd\u8981\u6027\u3092\u5f37\u5316\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fintech-digital-assets-and-banking-as-a-service-regulations\">\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3001\u30c7\u30b8\u30bf\u30eb\u8cc7\u7523\u3001\u30d0\u30f3\u30ad\u30f3\u30b0\u30fb\u30a2\u30ba\u30fb\u30a2\u30fb\u30b5\u30fc\u30d3\u30b9\u898f\u5236<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30fb\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306b\u5bfe\u3059\u308b\u898f\u5236\u5f53\u5c40\u306e\u6ce8\u76ee\u306f\u30012010\u5e74\u4ee3\u306e\u521d\u671f\u306e\u6c7a\u6e08\u30fb\u878d\u8cc7\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u304b\u3089\u3001\u4eca\u65e5\u306e\u30d0\u30f3\u30ad\u30f3\u30b0\u30fb\u30a2\u30ba\u30fb\u30a2\u30fb\u30b5\u30fc\u30d3\u30b9\u30fb\u30e2\u30c7\u30eb\u3001\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3001\u30c7\u30b8\u30bf\u30eb\u8cc7\u7523\u3078\u306e\u6ce8\u76ee\u3078\u3068\u5f37\u307e\u3063\u3066\u3044\u308b\u3002\u6700\u8fd1\u304a\u3088\u3073\u4eca\u5f8c\u4e88\u5b9a\u3055\u308c\u3066\u3044\u308b\u653f\u7b56\u306e\u66f4\u65b0\u3092\u542b\u3081\u3001\u91d1\u878d\u60c5\u52e2\u306b\u304a\u3051\u308b\u7d99\u7d9a\u7684\u306a\u898f\u5236\u306e\u30b7\u30d5\u30c8\u306f\u3001\u9280\u884c\u696d\u52d9\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u5927\u304d\u306a\u5f71\u97ff\u3092\u53ca\u307c\u3057\u3066\u304a\u308a\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u65b0\u3057\u3044\u653f\u6a29\u3084\u56fd\u969b\u6a5f\u95a2\u306b\u3088\u308b\u512a\u5148\u4e8b\u9805\u306e\u9032\u5316\u306b\u8fc5\u901f\u306b\u9069\u5fdc\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3002\u7c73\u56fd\u306f2023\u5e74\u306b\u7701\u5e81\u9593\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u767a\u8868\u3057\u3001\u4e0b\u8acb\u3051\u696d\u8005\u306b\u5bfe\u3059\u308b\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u3068BaaS\u306e\u53d6\u308a\u6c7a\u3081\u306b\u5bfe\u3059\u308b\u51fa\u53e3\u6226\u7565\u3092\u7fa9\u52d9\u4ed8\u3051\u305f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OCC\u306e\u91d1\u878d\u6280\u8853\u5c40\u306f\u3001\u56fd\u55b6\u9280\u884c\u306e\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u76e3\u7763\u3057\u306a\u304c\u3089\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30fb\u30c1\u30e3\u30fc\u30bf\u30fc\u3092\u767a\u884c\u3057\u3066\u3044\u308b\u30022023\u5e74\u306b\u63a1\u629e\u3055\u308c\u305fEU\u306e\u6697\u53f7\u8cc7\u7523\u5e02\u5834\u898f\u5236\uff082024\u5e74\u304b\u3089\u5b8c\u5168\u767a\u52b9\uff09\u306f\u30012%\u304b\u30898%\u306e\u8cc7\u672c\u8981\u4ef6\u3067\u6697\u53f7\u8cc7\u7523\u30b5\u30fc\u30d3\u30b9\u30fb\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u8a8d\u53ef\u3057\u3001\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u306e\u96fb\u5b50\u30de\u30cd\u30fc\u767a\u884c\u30922\u5104\u30e6\u30fc\u30ed\u306b\u5236\u9650\u3057\u3066\u3044\u308b\u3002\u82f1\u56fd\u3067\u306f\u3001PRA\u306e\u76e3\u7763\u306e\u4e0b\u3001\u6642\u4fa1\u7dcf\u984d\u304c100\u5104\u30dd\u30f3\u30c9\u3092\u8d85\u3048\u308b\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u306a\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u3092\u5bfe\u8c61\u3068\u3059\u308b\u6bb5\u968e\u7684\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u3068\u3063\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">GENIUS\u6cd5\u306f\u30012026\u5e747\u6708\u307e\u3067\u306b\u5305\u62ec\u7684\u306a\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u306e\u67a0\u7d44\u307f\u3092\u7fa9\u52d9\u4ed8\u3051\u3001\u9280\u884c\u767a\u884c\u306e\u5229\u56de\u308a\u4fdd\u8a3c\u578b\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u3092\u53ef\u80fd\u306b\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3002\u30b9\u30a4\u30b9FINMA\u306f\u30c8\u30fc\u30af\u30f3\u3092\u6c7a\u6e08\u3001\u30e6\u30fc\u30c6\u30a3\u30ea\u30c6\u30a3\u3001\u8cc7\u7523\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u5206\u985e\u3057\u3001\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u306b100%\u306e\u6e96\u5099\u91d1\u3092\u8981\u6c42\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u898f\u5236\u5f53\u5c40\u306f\u3001\u9280\u884c\u3068\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u3001\u898f\u5236\u5bfe\u8c61\u6a5f\u95a2\u306e\u5ef6\u9577\u3068\u3057\u3066\u6271\u3046\u3088\u3046\u306b\u306a\u3063\u3066\u304d\u3066\u3044\u308b\u3002\u9280\u884c\u306f\u3001\u30b5\u30fc\u30d3\u30b9\u304c\u3069\u306e\u3088\u3046\u306b\u63d0\u4f9b\u3055\u308c\u308b\u304b\u306b\u304b\u304b\u308f\u3089\u305a\u3001\u898f\u5236\u9075\u5b88\u3001\u9867\u5ba2\u4fdd\u8b77\u3001\u30c7\u30fc\u30bf\u30ac\u30d0\u30ca\u30f3\u30b9\u306b\u5bfe\u3059\u308b\u8cac\u4efb\u3092\u4fdd\u6301\u3059\u308b\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u8907\u96d1\u306a\u30a2\u30a6\u30c8\u30bd\u30fc\u30b7\u30f3\u30b0\u30fb\u30c1\u30a7\u30fc\u30f3\u3001AI\u30d9\u30fc\u30b9\u306e\u610f\u601d\u6c7a\u5b9a\u30c4\u30fc\u30eb\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30c7\u30fc\u30bf\u306e\u6d41\u308c\u304b\u3089\u751f\u3058\u308b\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u30fb\u30ea\u30b9\u30af\u3084\u30b3\u30f3\u30c0\u30af\u30c8\u30fb\u30ea\u30b9\u30af\u304c\u751f\u3058\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30fb\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306b\u304a\u3044\u3066\u898f\u5236\u5f53\u5c40\u306e\u6ce8\u610f\u304c\u5fc5\u8981\u306a\u5206\u91ce\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>MiCA\u3068\u7c73\u56fd\u306e\u65b0\u305f\u306a\u67a0\u7d44\u307f\u306e\u4e0b\u3067\u306e\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u306e\u767a\u884c\u3068\u6e96\u5099\u91d1\u8981\u4ef6<\/li>\n\n\n\n<li>\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b9\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3068\u81ea\u52d5\u9069\u5408\u6027\u8a55\u4fa1\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9<\/li>\n\n\n\n<li>RegTech\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3068API\u30d9\u30fc\u30b9\u306e\u898f\u5236\u5831\u544a<\/li>\n\n\n\n<li>\u76e3\u7763\u4e0a\u306e\u30b5\u30f3\u30c9\u30dc\u30c3\u30af\u30b9\uff08\u82f1\u56fdFCA\u306f500\u793e\u4ee5\u4e0a\u3092\u30c6\u30b9\u30c8\u3057\u3066\u3044\u308b\uff09<\/li>\n\n\n\n<li>AI\u306b\u3088\u308b\u878d\u8cc7\u6c7a\u5b9a\u306e\u305f\u3081\u306e\u30e2\u30c7\u30eb\u30ea\u30b9\u30af\u7ba1\u7406<\/li>\n\n\n\n<li>CFPB\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u3088\u308b\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u306e\u30d0\u30a4\u30a2\u30b9\u30c6\u30b9\u30c8<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\u306f\u3001\u7c73\u56fd\u3084\u4e2d\u56fd\u306e\u30af\u30e9\u30a6\u30c9\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306b\u4ee3\u308f\u308b\u30b9\u30a4\u30b9\u306e\u9078\u629e\u80a2\u306e\u4e00\u4f8b\u3067\u3042\u308a\u3001\u7c73\u56fd\u306e\u30af\u30e9\u30a6\u30c9\u6cd5\u3084\u4e2d\u56fd\u306e\u30c7\u30fc\u30bf\u30ed\u30fc\u30ab\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u8981\u4ef6\u306b\u3055\u3089\u3055\u308c\u308b\u3053\u3068\u306a\u304f\u3001AI\u4e3b\u5c0e\u306e\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0\u3068\u81ea\u52d5\u5316\u3092\u30db\u30b9\u30c6\u30a3\u30f3\u30b0\u3059\u308b\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u4f01\u696d\u306f\u6700\u65b0\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u6d3b\u7528\u3057\u306a\u304c\u3089\u3001\u9867\u5ba2\u30c7\u30fc\u30bf\u306e\u4e3b\u6a29\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cross-border-activity-data-protection-and-operational-resilience\">\u56fd\u5883\u3092\u8d8a\u3048\u305f\u6d3b\u52d5\u3001\u30c7\u30fc\u30bf\u4fdd\u8b77\u3001\u904b\u7528\u306e\u56de\u5fa9\u529b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u56fd\u5883\u3092\u8d8a\u3048\u305f\u9280\u884c\u696d\u52d9\u306f\u3001\u540c\u6642\u306b\u8907\u6570\u306e\u898f\u5236\u3092\u5f15\u304d\u8d77\u3053\u3059\u3002\u30db\u30b9\u30c8\u56fd\u306e\u8a31\u8a8d\u53ef\u898f\u5247\u3001EU\u306e\u652f\u5e97\u30d1\u30b9\u30dd\u30fc\u30c8\u3084\u5b50\u4f1a\u793e\u898f\u5247\u306b\u57fa\u3065\u304f\u73fe\u5730\u8cc7\u672c\u8981\u4ef6\u3001\u7c73\u30c9\u30eb\u306e\u6e05\u7b97\u306b\u9069\u7528\u3055\u308c\u308b\u7c73\u56fd\u306eOFAC\u5236\u88c1\u306e\u3088\u3046\u306a\u57df\u5916\u898f\u5236\u306f\u3059\u3079\u3066\u3001\u56fd\u969b\u7684\u306a\u9280\u884c\u696d\u52d9\u306b\u8907\u96d1\u306a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u3082\u305f\u3089\u3059\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30c7\u30fc\u30bf\u4fdd\u8b77\u6cd5\u306f\u9280\u884c\u898f\u5236\u3068\u76f4\u63a5\u4ea4\u5dee\u3059\u308b\u3002EU\u306e\u4e00\u822c\u30c7\u30fc\u30bf\u4fdd\u8b77\u898f\u5247\u3067\u306f\u3001\u6a19\u6e96\u5951\u7d04\u6761\u9805\u3084\u62d8\u675f\u529b\u306e\u3042\u308b\u4f01\u696d\u898f\u5247\u304c\u306a\u3044\u4e0d\u5341\u5206\u306a\u56fd\u3078\u306e\u79fb\u8ee2\u3092\u7981\u6b62\u3057\u3066\u3044\u308b\u3002\u30e1\u30bf\u793e\u306f2023\u5e74\u306b\u79fb\u8ee2\u9055\u53cd\u306712\u5104\u30e6\u30fc\u30ed\u306e\u7f70\u91d1\u3092\u53d7\u3051\u305f\u30022023\u5e74\u306b\u5927\u5e45\u306b\u6539\u6b63\u3055\u308c\u305f\u30c7\u30fc\u30bf\u4fdd\u8b77\u306b\u95a2\u3059\u308b\u30b9\u30a4\u30b9\u9023\u90a6\u6cd5\u306f\u3001\u5dde\u30ec\u30d9\u30eb\u306e\u65bd\u884c\u3067GDPR\u306e\u8981\u4ef6\u3092\u53cd\u6620\u3057\u3066\u3044\u308b\u3002\u82f1\u56fd\u306eGDPR\u306f\u3001\u30d6\u30ec\u30b0\u30b8\u30c3\u30c8\u5f8c\u306e\u30d5\u30ed\u30fc\u306e\u305f\u3081\u306b\u56fd\u969b\u30c7\u30fc\u30bf\u79fb\u8ee2\u5354\u5b9a\u3092\u8ffd\u52a0\u3059\u308b\u3002.<\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\"><strong>\u5f37\u56fa\u306a\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30fb\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u5fc5\u8981\u3068\u3059\u308b\u56fd\u5883\u3092\u8d8a\u3048\u305f\u8ab2\u984c\uff1a<\/strong><\/p>\n\n\n\n<ul 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class=\"wp-block-paragraph\">InvestGlass\u306e\u30aa\u30f3\u30d7\u30ec\u30df\u30b9\u307e\u305f\u306f\u30b9\u30a4\u30b9\u306e\u30db\u30b9\u30c6\u30a3\u30f3\u30b0\u30aa\u30d7\u30b7\u30e7\u30f3\u306f\u3001BCBS239\u30ea\u30b9\u30af\u30c7\u30fc\u30bf\u96c6\u8a08\u8981\u4ef6\u306b\u57fa\u3065\u304f\u30ec\u30b8\u30ea\u30a8\u30f3\u30b9\u30de\u30c3\u30d4\u30f3\u30b0\u3001\u51fa\u53e3\u8a08\u753b\u3001\u5831\u544a\u3092\u30b5\u30dd\u30fc\u30c8\u3057\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u9280\u884c\u3084\u30a6\u30a7\u30eb\u30b9\u30fb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u306f\u3001\u898f\u5236\u5f53\u5c40\u3078\u306e\u5831\u544a\u3084\u76e3\u7763\u5f53\u5c40\u304b\u3089\u306e\u554f\u3044\u5408\u308f\u305b\u306b\u5bfe\u3057\u3066\u3001\u3088\u308a\u5f37\u529b\u306a\u7ba1\u7406\u3092\u884c\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-central-banking-and-monetary-policy-in-banking-regulation\">\u9280\u884c\u898f\u5236\u306b\u304a\u3051\u308b\u4e2d\u592e\u9280\u884c\u3068\u91d1\u878d\u653f\u7b56<\/h2>\n\n\n\n<p 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id=\"h-the-role-of-governance-internal-controls-and-compliance-culture\">\u30ac\u30d0\u30ca\u30f3\u30b9\u3001\u5185\u90e8\u7d71\u5236\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u6587\u5316\u306e\u5f79\u5272<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9280\u884c\u306e\u30ac\u30d0\u30ca\u30f3\u30b9\u306b\u5bfe\u3059\u308b\u76e3\u7763\u5f53\u5c40\u306e\u671f\u5f85\u306f\u8457\u3057\u304f\u9ad8\u307e\u3063\u3066\u3044\u308b\u3002\u53d6\u7de0\u5f79\u4f1a\u306f\u6226\u7565\u3068\u30ea\u30b9\u30af\u9078\u597d\u5ea6\u3092\u76e3\u7763\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u305a\u3001\u30ea\u30b9\u30af\u59d4\u54e1\u4f1a\u306f\u30e2\u30c7\u30eb\u3092\u627f\u8a8d\u3057\u30013\u3064\u306e\u9632\u885b\u7dda\u30e2\u30c7\u30eb\u306f\u696d\u52d9\u6a5f\u80fd\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u3001\u72ec\u7acb\u76e3\u67fb\u3092\u5206\u96e2\u3059\u308b\u3002\u91d1\u878d\u6301\u682a\u4f1a\u793e\u306f\u3001\u9023\u90a6\u653f\u5e9c\u6a5f\u95a2\u304b\u3089\u306e\u3055\u3089\u306a\u308b\u76e3\u8996\u306b\u76f4\u9762\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2015\u5e74\u306b\u6539\u8a02\u3055\u308c\u305f\u30d0\u30fc\u30bc\u30eb\u59d4\u54e1\u4f1a\u306e\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u539f\u5247\u300d\u306f\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u30b9\u30bf\u30f3\u30c0\u30fc\u30c9\u3092\u78ba\u7acb\u3057\u3066\u3044\u308b\u3002ECB\u306eBCBS239\u306e\u8981\u4ef6\u306f\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u306b\u30b7\u30b9\u30c6\u30e0\u4e0a\u91cd\u8981\u306a\u9280\u884c\u306b\u5bfe\u3057\u300172\u6642\u9593\u4ee5\u5185\u306e\u30ea\u30b9\u30af\u30c7\u30fc\u30bf\u96c6\u8a08\u3092\u7fa9\u52d9\u4ed8\u3051\u3066\u3044\u308b\u3002PRA\u306e\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u3067\u306f\u3001S.165\u306e\u5e74\u6b21\u8981\u8acb\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u3044\u308b\u3002FINMA\u306f\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30fb\u30aa\u30d5\u30a3\u30b5\u30fc\u306e\u72ec\u7acb\u6027\u3092\u5f37\u8abf\u3057\u3001OCC\u306f\u8cc7\u7523\u898f\u6a21\u304c$500\u5104\u3092\u8d85\u3048\u308b\u9280\u884c\u3092\u5bfe\u8c61\u3068\u3057\u305f\u30ac\u30a4\u30c9\u30e9\u30a4\u30f3\u3067\u3001\u66f8\u9762\u306b\u3088\u308b\u30ac\u30d0\u30ca\u30f3\u30b9\u306e\u67a0\u7d44\u307f\u3092\u898f\u5b9a\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52b9\u679c\u7684\u306a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u6587\u5316\u306b\u306f\u3001\u660e\u78ba\u306a\u65b9\u91dd\u3001\u30b9\u30bf\u30c3\u30d5\u306e\u7814\u4fee\u30d7\u30ed\u30b0\u30e9\u30e0\u3001EU\u306e\u5185\u90e8\u544a\u767a\u6307\u4ee4\u306b\u6cbf\u3063\u305f\u5185\u90e8\u544a\u767a\u306e\u4ed5\u7d44\u307f\u3001\u65e5\u5e38\u7684\u306a\u30d7\u30ed\u30bb\u30b9\u306b\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3092\u7d44\u307f\u8fbc\u3080\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u304c\u542b\u307e\u308c\u308b\u3002FCA\u306f\u30012023\u5e74\u306e\u7814\u4fee\u8981\u4ef6\u5f37\u5316\u5f8c\u3001\u4e0d\u7965\u4e8b\u5831\u544a\u304c20%\u6e1b\u5c11\u3057\u305f\u3068\u5831\u544a\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30fb\u30aa\u30d5\u30a3\u30b5\u30fc\u306f\u3001\u898f\u5236\u306e\u5909\u66f4\uff08EU\u3067\u306f\u5e74\u95935,000\u30da\u30fc\u30b8\u3092\u8d85\u3048\u308b\u65b0\u898f\u5236\u304c\u5236\u5b9a\u3055\u308c\u3066\u3044\u308b\uff09\u3092\u8ffd\u8de1\u3057\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u305f\u3081\u306e\u65b0\u5546\u54c1\u3092\u541f\u5473\u3057\u3001KYC\u3001\u9069\u5408\u6027\u3001\u8a18\u9332\u4fdd\u5b58\u306a\u3069\u306e\u7fa9\u52d9\u3092\u30b7\u30b9\u30c6\u30e0\u304c\u78ba\u5b9f\u306b\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u3088\u3046\u306b\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3002\u307e\u305f\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30fb\u30ea\u30b9\u30af\u306b\u7a4d\u6975\u7684\u306b\u5bfe\u51e6\u3057\u3001\u5f37\u5236\u63aa\u7f6e\u306b\u5099\u3048\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6ce8\u610f\u3092\u8981\u3059\u308b\u30ac\u30d0\u30ca\u30f3\u30b9\u8981\u7d20\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53d6\u7de0\u5f79\u4f1a\u306e\u30ea\u30b9\u30af\u9078\u597d\u5ea6\u58f0\u660e\u304a\u3088\u3073\u5e74\u6b21\u30ec\u30d3\u30e5\u30fc\u30d7\u30ed\u30bb\u30b9<\/li>\n\n\n\n<li>3\u3064\u306e\u9632\u885b\u30e9\u30a4\u30f3\u30fb\u30e2\u30c7\u30eb\u306e\u5c0e\u5165<\/li>\n\n\n\n<li>BCBS 239\u306e\u30ea\u30b9\u30af\u30c7\u30fc\u30bf\u96c6\u8a08\u3068\u5831\u544a\u6a5f\u80fd<\/li>\n\n\n\n<li>\u6e2c\u5b9a\u53ef\u80fd\u306a\u6210\u679c\u3092\u4f34\u3046\u7814\u4fee\u30d7\u30ed\u30b0\u30e9\u30e0<\/li>\n\n\n\n<li>\u5185\u90e8\u544a\u767a\u30db\u30c3\u30c8\u30e9\u30a4\u30f3\u304a\u3088\u3073\u4fdd\u8b77\u30e1\u30ab\u30cb\u30ba\u30e0<\/li>\n\n\n\n<li>\u53d6\u7de0\u5f79\u4f1a\u306b\u76f4\u63a5\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u72ec\u7acb\u3057\u305f\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u6a5f\u80fd<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\u306f\u3001\u91d1\u878d\u6a5f\u95a2\u304c\u30ac\u30d0\u30ca\u30f3\u30b9\u57fa\u6e96\u3084\u9023\u90a6\u6cd5\u30fb\u5dde\u6cd5\u306b\u6cbf\u3063\u305f\u627f\u8a8d\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u3001\u30eb\u30fc\u30eb\u30d9\u30fc\u30b9\u306e\u30c1\u30a7\u30c3\u30af\u3001\u8a3c\u62e0\u30ed\u30b0\u3092\u8a2d\u5b9a\u3059\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u5be9\u67fb\u6642\u306b\u898f\u5236\u5f53\u5c40\u306b\u5bfe\u3057\u3066\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u8a3c\u660e\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulation-of-bank-holding-companies-and-affiliates\">\u9280\u884c\u6301\u682a\u4f1a\u793e\u304a\u3088\u3073\u95a2\u9023\u4f1a\u793e\u306e\u898f\u5236<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9280\u884c\u6301\u682a\u4f1a\u793e(BHC)\u306f\u3001\u73fe\u4ee3\u306e\u9280\u884c\u30b7\u30b9\u30c6\u30e0\u306e\u69cb\u9020\u306e\u4e2d\u5fc3\u7684\u5b58\u5728\u3067\u3042\u308a\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u8907\u6570\u306e\u9280\u884c\u3084\u69d8\u3005\u306a\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u95a2\u9023\u4f1a\u793e\u3092\u652f\u914d\u3057\u3066\u3044\u308b\u3002\u9023\u90a6\u6e96\u5099\u5236\u5ea6\u7406\u4e8b\u4f1a\uff08FRB\uff09\u306f\u3001BHC\u3092\u76e3\u7763\u3059\u308b\u4e3b\u8981\u306a\u898f\u5236\u5f53\u5c40\u3067\u3042\u308a\u3001BHC\u304c\u8ca1\u52d9\u72b6\u6cc1\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u3001\u9069\u7528\u3055\u308c\u308b\u6cd5\u5f8b\u3084\u898f\u5236\u306e\u9075\u5b88\u306b\u95a2\u3059\u308b\u78ba\u56fa\u305f\u308b\u57fa\u6e96\u3092\u9075\u5b88\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u4fdd\u8a3c\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9280\u884c\u6301\u682a\u4f1a\u793e\u6cd5\u306e\u4e0b\u3001BHC\u306f\u9023\u90a6\u6e96\u5099\u5236\u5ea6\u7406\u4e8b\u4f1a\uff08FRB\uff09\u306b\u767b\u9332\u3057\u3001\u8ca1\u52d9\u306e\u5065\u5168\u6027\u3068\u696d\u52d9\u6d3b\u52d5\u306e\u8a73\u7d30\u3092\u5b9a\u671f\u7684\u306b\u5831\u544a\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3002\u3053\u306e\u898f\u5236\u4e0a\u306e\u76e3\u8996\u306f\u3001BHC\u306e\u95a2\u9023\u4f1a\u793e\uff08\u9280\u884c\u3084BHC\u304c\u6240\u6709\u307e\u305f\u306f\u652f\u914d\u3059\u308b\u4f1a\u793e\uff09\u306b\u3082\u53ca\u3093\u3067\u304a\u308a\u3001\u3053\u308c\u3089\u306e\u4f1a\u793e\u306f\u3001\u305d\u306e\u6d3b\u52d5\u304c\u89aa\u9280\u884c\u3084\u3088\u308a\u5e83\u7bc4\u306a\u9280\u884c\u30b7\u30b9\u30c6\u30e0\u306e\u5b89\u5168\u6027\u3068\u5065\u5168\u6027\u3092\u640d\u306a\u308f\u306a\u3044\u3088\u3046\u306b\u76e3\u8996\u3055\u308c\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9023\u90a6\u6e96\u5099\u5236\u5ea6\u7406\u4e8b\u4f1a\uff08FRB\uff09\u306f\u3001BHC\u3068\u305d\u306e\u95a2\u9023\u4f1a\u793e\u306b\u5bfe\u3059\u308b\u53b3\u683c\u306a\u76e3\u7763\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u3067\u3001\u91d1\u878d\u306e\u5b89\u5b9a\u3092\u8105\u304b\u3057\u304b\u306d\u306a\u3044\u30ea\u30b9\u30af\u306e\u7a4d\u307f\u4e0a\u304c\u308a\u3092\u9632\u6b62\u3059\u308b\u3053\u3068\u306b\u8ca2\u732e\u3057\u3066\u3044\u308b\u3002\u3053\u308c\u306b\u306f\u3001\u6cd5\u898f\u5236\u306e\u9075\u5b88\u72b6\u6cc1\u3092\u76e3\u8996\u3057\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u67a0\u7d44\u307f\u3092\u8a55\u4fa1\u3057\u3001\u65b0\u305f\u306a\u8106\u5f31\u6027\u306b\u5bfe\u51e6\u3059\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u5834\u5408\u306b\u306f\u4ecb\u5165\u3059\u308b\u3053\u3068\u304c\u542b\u307e\u308c\u308b\u3002\u6301\u682a\u4f1a\u793e\u4f53\u5236\u3067\u904b\u55b6\u3055\u308c\u308b\u91d1\u878d\u6a5f\u95a2\u306b\u3068\u3063\u3066\u3001\u5f37\u529b\u306a\u30ac\u30d0\u30ca\u30f3\u30b9\u3068\u898f\u5236\u8981\u4ef6\u306e\u9075\u5b88\u3092\u793a\u3059\u3053\u3068\u306f\u3001\u9280\u884c\u90e8\u9580\u306e\u4fe1\u983c\u3068\u5b89\u5b9a\u3092\u7dad\u6301\u3059\u308b\u305f\u3081\u306b\u4e0d\u53ef\u6b20\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-technology-and-sovereign-platforms-support-regulatory-compliance\">\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3068\u30bd\u30d6\u30ea\u30f3\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u304c\u898f\u5236\u9075\u5b88\u3092\u3044\u304b\u306b\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u304b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u4ee3\u306e\u9280\u884c\u3084\u30a6\u30a7\u30eb\u30b9\u30fb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u306f\u3001\u898f\u5236\u306e\u671f\u5f85\u306b\u52b9\u7387\u7684\u306b\u5fdc\u3048\u308b\u305f\u3081\u3001CRM\u3001\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u7ba1\u7406\u3001\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3\u306a\u3069\u306e\u7d71\u5408\u30c7\u30b8\u30bf\u30eb\u30fb\u30a4\u30f3\u30d5\u30e9\u306b\u4f9d\u5b58\u3057\u3066\u3044\u308b\u3002McKinsey\u306e\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u81ea\u52d5\u5316\u306b\u3088\u3063\u3066KYC\u30b3\u30b9\u30c8\u309240%\u524a\u6e1b\u3067\u304d\u308b\u4e00\u65b9\u3001\u6a19\u6e96\u7684\u306a\u691c\u8a3c\u30d7\u30ed\u30bb\u30b9\u309280%\u51e6\u7406\u3067\u304d\u308b\u3068\u3044\u3046\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u3057\u304b\u3057\u3001\u76e3\u7763\u5f53\u5c40\u306f\u30a2\u30a6\u30c8\u30bd\u30fc\u30b7\u30f3\u30b0\u3084\u30af\u30e9\u30a6\u30c9\u306e\u96c6\u4e2d\u30ea\u30b9\u30af\u306b\u5bfe\u3059\u308b\u61f8\u5ff5\u3092\u5f37\u3081\u3066\u3044\u308b\u3002EBA\u3068PRA\u306f\u3001\u6b27\u5dde\u5916\u306e\u5927\u624b\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3078\u306e\u4f9d\u5b58\u3084\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30c7\u30fc\u30bf\u79fb\u8ee2\u306e\u8907\u96d1\u3055\u306b\u95a2\u3059\u308b\u30ea\u30b9\u30af\u3092\u6307\u6458\u3057\u3066\u3044\u308b\u30022024\u5e74\u306eECB\u306e\u8abf\u67fb\u3067\u306f\u300160%\u306e\u91d1\u878d\u6a5f\u95a2\u304c\u3053\u3046\u3057\u305f\u61f8\u5ff5\u306b\u5bfe\u51e6\u3059\u308b\u305f\u3081\u306b\u30bd\u30d6\u30ea\u30f3\u30fb\u30af\u30e9\u30a6\u30c9\u30fb\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u512a\u5148\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u308f\u304b\u3063\u305f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b27\u5dde\u3084\u30b9\u30a4\u30b9\u306e\u91d1\u878d\u6a5f\u95a2\u306f\u3001CLOUD\u6cd5\u306e\u53ec\u559a\u30ea\u30b9\u30af\u3092\u7406\u7531\u306b\u7c73\u56fd\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u656c\u9060\u3059\u308b\u50be\u5411\u304c\u5f37\u307e\u3063\u3066\u304a\u308a\u3001\u30c7\u30fc\u30bf\u306e\u30ed\u30fc\u30ab\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u306b\u95a2\u3059\u308b\u61f8\u5ff5\u304b\u3089\u4e2d\u56fd\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u656c\u9060\u3059\u308b\u50be\u5411\u304c\u5f37\u307e\u3063\u3066\u3044\u308b\u3002\u3053\u306e\u3088\u3046\u306a\u898f\u5236\u5f53\u5c40\u306e\u76e3\u8996\u306f\u3001\u5916\u8cc7\u7cfb\u9280\u884c\u3084\u56fd\u969b\u7684\u306a\u9280\u884c\u696d\u52d9\u304c\u6b27\u5dde\u306e\u6a5f\u5bc6\u6027\u306e\u9ad8\u3044\u9867\u5ba2\u30c7\u30fc\u30bf\u306b\u30a2\u30af\u30bb\u30b9\u3059\u308b\u3053\u3068\u306b\u5bfe\u3059\u308b\u5e83\u7bc4\u306a\u61f8\u5ff5\u3068\u4e00\u81f4\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\u306f\u3001CRM\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0\u3001KYC\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u7ba1\u7406\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30fb\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30fb\u30aa\u30fc\u30c8\u30e1\u30fc\u30b7\u30e7\u30f3\u3001\u9867\u5ba2\u30dd\u30fc\u30bf\u30eb\u3092\u3001FINMA\u8a8d\u53ef\u306e\u30a4\u30f3\u30d5\u30e9\u3092\u6301\u3064\u30b9\u30a4\u30b9\u306e\u30c7\u30fc\u30bf\u30bb\u30f3\u30bf\u30fc\u306b\u7d71\u5408\u3057\u3066\u3044\u308b\u3002\u30aa\u30d7\u30b7\u30e7\u30f3\u3067\u30aa\u30f3\u30d7\u30ec\u30df\u30b9\u3092\u5c0e\u5165\u3059\u308c\u3070\u3001\u6d77\u5916\u306e\u53f8\u6cd5\u5f53\u5c40\u306e\u5f71\u97ff\u3092\u5b8c\u5168\u306b\u6392\u9664\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e2d\u898f\u6a21\u6a5f\u95a2\u306e\u305f\u3081\u306e\u5b9f\u8df5\u7684\u306a\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u30c7\u30e5\u30fc\u30c7\u30ea\u30b8\u30a7\u30f3\u30b9\u30fb\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u306e\u5f37\u5316\u306e\u305f\u3081\u306bInvestGlass\u3092\u5c0e\u5165\u3057\u305f\u4e2d\u5805\u30a6\u30a7\u30eb\u30b9\u30fb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u306f\u3001SAR\u30ec\u30d3\u30e5\u30fc\u6642\u9593\u309250%\u77ed\u7e2e\u3057\u305f\u3068\u5831\u544a\u3057\u305f\u3002<\/li>\n\n\n\n<li>\u30b9\u30a4\u30b9\u306e\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30d0\u30f3\u30af\u304c\u3001FADP\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306b\u30aa\u30f3\u30d7\u30ec\u30df\u30b9\u914d\u5099\u3092\u63a1\u7528\u3057\u3001\u30c7\u30fc\u30bf\u4e3b\u6a29\u3092\u5b8c\u5168\u306b\u7dad\u6301\u3057\u306a\u304c\u3089\u6d88\u8cbb\u8005\u7fa9\u52d9\u5831\u544a\u3092\u5408\u7406\u5316\u3057\u305f\u3002<\/li>\n\n\n\n<li>\u3042\u308b\u6b27\u5dde\u306e\u8cc7\u7523\u904b\u7528\u4f1a\u793e\u306f\u3001\u5916\u90e8\u306e\u958b\u767a\u30ea\u30bd\u30fc\u30b9\u3092\u4f7f\u308f\u305a\u306bCRR3\u306e\u8981\u4ef6\u306b\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u3092\u9069\u5408\u3055\u305b\u308b\u305f\u3081\u306b\u3001\u30b3\u30fc\u30c9\u306a\u3057\u306e\u30eb\u30fc\u30eb\u30a8\u30f3\u30b8\u30f3\u3092\u8a2d\u5b9a\u3057\u305f\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u3053\u306e\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3\u30fc\u306f\u3001\u4e0d\u5909\u306e\u76e3\u67fb\u8a3c\u8de1\u3001\u898f\u5236\u30af\u30a8\u30ea\u30fc\u306e\u305f\u3081\u306e\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u30c0\u30c3\u30b7\u30e5\u30dc\u30fc\u30c9\u3001\u9023\u90a6\u898f\u5236\u3084\u9069\u7528\u6cd5\u306e\u4e0b\u3067\u30eb\u30fc\u30eb\u304c\u5909\u66f4\u3055\u308c\u305f\u5834\u5408\u306b\u9069\u5fdc\u53ef\u80fd\u306a\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u3092\u63d0\u4f9b\u3059\u308b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion-and-future-outlook-for-banking-industry-regulations\">\u9280\u884c\u696d\u754c\u898f\u5236\u306e\u7d50\u8ad6\u3068\u4eca\u5f8c\u306e\u5c55\u671b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u30d0\u30fc\u30bc\u30ebIII\u306e\u30a2\u30a6\u30c8\u30d7\u30c3\u30c8\u30d5\u30ed\u30a2\u306b\u57fa\u3065\u304f\u30d7\u30eb\u30c7\u30f3\u30b7\u30e3\u30eb\u57fa\u6e96\u3001\u884c\u52d5\u30fb\u6d88\u8cbb\u8005\u4fdd\u8b77\u8981\u4ef6\u3001AML\u3068\u5236\u88c1\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3068BaaS\u306e\u76e3\u7763\u3001\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u3068\u30c7\u30fc\u30bf\u4fdd\u8b77\u898f\u5247\u3001\u30ac\u30d0\u30ca\u30f3\u30b9\u3078\u306e\u671f\u5f85\u306a\u3069\u3001\u672c\u7a3f\u3067\u691c\u8a0e\u3057\u305f\u898f\u5236\u306e\u67f1\u306f\u3001\u4eca\u5f8c\u3082\u9280\u884c\u696d\u754c\u898f\u5236\u306e\u4e2d\u5fc3\u3067\u3042\u308a\u7d9a\u3051\u308b\u3060\u308d\u3046\u3002\u4fe1\u7528\u7d44\u5408\u3001\u8caf\u84c4\u7d44\u5408\u3001\u5546\u696d\u9280\u884c\u306f\u30012026\u5e74\u306e\u898b\u901a\u3057\u304c\u5b89\u5b9a\u7684\u3067\u3001\u6210\u9577\u304c\u6291\u5236\u3055\u308c\u8cc7\u7523 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href=\"https:\/\/www.investglass.com\/ja\/%e6%8a%95%e8%b3%87%e3%81%ab%e3%81%8a%e3%81%91%e3%82%8besg%e3%81%ae%e5%8a%b9%e6%9e%9c%e7%9a%84%e3%81%aa%e7%b5%b1%e5%90%88%e3%81%ae%e3%81%9f%e3%82%81%e3%81%ae%e3%83%88%e3%83%83%e3%83%97%e6%88%a6\/\" target=\"_self\">ESG\u306e\u7d71\u5408<\/a> FINMA\u306f\u30b0\u30ea\u30fc\u30f3\u30a6\u30a9\u30c3\u30b7\u30f3\u30b0\u3092\u8abf\u67fb\u3057\u3001GENIUS\u6cd5\u5b89\u5b9a\u30b3\u30a4\u30f3\u3084\u82f1\u56fd\u306e\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u95be\u5024\u3092\u542b\u3080\u6697\u53f7\u8cc7\u7523\u304c\u6539\u826f\u3055\u308c\u305f\u3002\u8a3c\u5238\u53d6\u5f15\u6cd5\u3068\u9023\u90a6\u9810\u91d1\u4fdd\u967a\u6cd5\u306f\u3001\u3053\u3046\u3057\u305f\u52d5\u304d\u3068\u4e26\u884c\u3057\u3066\u9032\u5316\u3092\u7d9a\u3051\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u30aa\u30da\u30ec\u30fc\u30b7\u30e7\u30ca\u30eb\u30fb\u30ec\u30b8\u30ea\u30a8\u30f3\u30b9\u3068\u30c7\u30fc\u30bf\u4e3b\u6a29\u306e\u91cd\u8981\u6027\u306e\u9ad8\u307e\u308a\u306f\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u696d\u754c\u306b\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u5927\u624b\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30fb\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u306a\u91cd\u8981\u6027\u3092\u63a2\u308b\u898f\u5236\u5f53\u5c40\u306e\u52d5\u304d\u3092\u53cd\u6620\u3057\u3066\u3044\u308b\u3002FSB\u306e2025\u5e74\u4f5c\u696d\u8a08\u753b\u306f\u3001\u30d3\u30c3\u30b0\u30fb\u30c6\u30c3\u30af\u306e\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u306a\u96c6\u4e2d\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u308b\u3002\u91d1\u5229\u3068\u91d1\u878d\u5e02\u5834\u306f\u5f15\u304d\u7d9a\u304d\u898f\u5236\u306e\u512a\u5148\u4e8b\u9805\u3068\u76f8\u4e92\u306b\u95a2\u9023\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u878d\u6a5f\u95a2\u306f\u3001InvestGlass\u306e\u3088\u3046\u306a\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3078\u306e\u914d\u616e\u3092\u5168\u4f53\u306b\u308f\u305f\u3063\u3066\u7d71\u5408\u3059\u308b\u30bd\u30d6\u30ea\u30f3\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u63a1\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u3053\u308c\u3089\u306e\u9032\u5316\u3059\u308b\u7fa9\u52d9\u3092\u3088\u308a\u52b9\u679c\u7684\u306b\u679c\u305f\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ja\/%e3%82%af%e3%83%a9%e3%82%a4%e3%82%a2%e3%83%b3%e3%83%88%e3%83%bb%e3%83%a9%e3%82%a4%e3%83%95%e3%82%b5%e3%82%a4%e3%82%af%e3%83%ab%e3%83%bb%e3%83%9e%e3%83%8d%e3%82%b8%e3%83%a1%e3%83%b3%e3%83%88%e9%8a%80\/\" target=\"_self\">\u9867\u5ba2\u30e9\u30a4\u30d5\u30b5\u30a4\u30af\u30eb<\/a>. .\u56fd\u7acb\u9280\u884c\u6cd5\u3001\u8caf\u84c4\u6cd5\u3001\u9023\u90a6\u6e96\u5099\u6cd5\u306f\u3001\u73fe\u4ee3\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u304c\u30b5\u30dd\u30fc\u30c8\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u67a0\u7d44\u307f\u3092\u78ba\u7acb\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u898f\u5236\u5bfe\u8c61\u4f01\u696d\u306e\u305f\u3081\u306e\u5b9f\u8df5\u7684\u30b9\u30c6\u30c3\u30d7<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u30c7\u30fc\u30bf\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3001\u30a2\u30a6\u30c8\u30bd\u30fc\u30b7\u30f3\u30b0\u30c1\u30a7\u30fc\u30f3\u3001\u30bd\u30d6\u30ea\u30f3\u4ee3\u66ff\u6848\u306b\u3064\u3044\u3066\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30b9\u30bf\u30c3\u30af\u3092\u76e3\u67fb\u3059\u308b\u3002<\/li>\n\n\n\n<li>\u30d0\u30fc\u30bc\u30ebIII\u306e\u6700\u7d42\u6bb5\u968e\u3068CRR3\u304c\u8cc7\u672c\u3068\u5831\u544a\u7fa9\u52d9\u306b\u4e0e\u3048\u308b\u5f71\u97ff<\/li>\n\n\n\n<li>KYC\u3001\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0\u3001\u696d\u52d9\u56de\u5fa9\u529b\u8a08\u753b\u306e\u305f\u3081\u306e\u30bd\u30d6\u30ea\u30f3CRM\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u8a66\u9a13\u7684\u5c0e\u5165<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4eca\u65e5\u3001\u30bd\u30d6\u30ea\u30f3\u30fb\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30fb\u30a4\u30f3\u30d5\u30e9\u30b9\u30c8\u30e9\u30af\u30c1\u30e3\u306b\u6295\u8cc7\u3057\u3066\u3044\u308b\u898f\u5236\u5bfe\u8c61\u4f01\u696d\u306f\u3001\u660e\u65e5\u306e\u898f\u5236\u6539\u9769\u3092\u4e57\u308a\u5207\u308b\u305f\u3081\u306b\u3001\u3088\u308a\u6709\u5229\u306a\u7acb\u5834\u306b\u7acb\u3064\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u4eca\u3053\u305d\u3001\u30b7\u30b9\u30c6\u30e0\u3092\u898b\u76f4\u3057\u3001\u30c7\u30fc\u30bf\u4e3b\u6a29\u3092\u8a55\u4fa1\u3057\u3001\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u304c\u73fe\u884c\u306e\u898f\u5247\u3068\u65b0\u305f\u306a\u76e3\u7763\u5f53\u5c40\u306e\u671f\u5f85\u306e\u4e21\u65b9\u306b\u5408\u81f4\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u6642\u3067\u3042\u308b\u3002\u898f\u5236\u5f53\u5c40\u3001\u9023\u90a6\u767b\u8a18\u7c3f\u306e\u516c\u8868\u3001\u305d\u3057\u3066\u9280\u884c\u306b\u5bfe\u3059\u308b\u7a4d\u6975\u7684\u306a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30fb\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u7dad\u6301\u306e\u5968\u52b1\u306f\u3001\u6e96\u5099\u306e\u91cd\u8981\u6027\u3092\u793a\u3057\u3066\u3044\u308b\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>Banking industry regulations exist for three fundamental reasons: safeguarding financial stability, protecting consumers from misconduct, and controlling systemic risks that could cascade through entire economies. The 2008 global financial crisis demonstrated what happens when capital buffers prove inadequate and risky leverage amplifies losses into a worldwide meltdown. More recently, the 2023 failures of Silicon Valley Bank and Signature Bank in the United States, alongside the collapse of Credit Suisse in Switzerland, exposed vulnerabilities in mid-sized institutions and reignited demands for stricter oversight. This article is written in British English and aimed at professionals in banks, wealth managers, and other regulated financial institutions seeking clarity on the current regulatory landscape. Many [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36621,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[1403,968],"class_list":["post-49323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-banking-industry-regulations","tag-compliance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banking Industry Regulations: An Overview for Professionals<\/title>\n<meta name=\"description\" content=\"Explore key banking industry regulations designed to enhance financial stability and protect consumers from misconduct.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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